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Home Rehab and Repair Matrix – January 2015

HOME REHAB AND REPAIR MATRIX January 2015

Minnesota Homeownership Center

Produced by the Minnesota Homeownership Center, this tool is designed primarily for homeowners as a resource for

rehab and repair programs in their local and surrounding communities.

TIPS FOR USING THE HOME REHAB AND REPAIR MATRIX

This tool organizes available programs by geographic location, including statewide, county and city programs.

Programs include emergency repair, energy efficiency, lead hazard, and general repair. Some funds are

grants and others are loans, usually with below-market interest rates. Most funds have income limits.

The Center updates this tool quarterly. Earlier versions are no longer valid.

While we do our best to keep the information up-to-date, some of the programs listed may be out of funding prior to the next update. Contact the program administrator to verify funds are still available.

There may be additional eligibility requirements not listed for the program. Contact the program

administrator for additional information.

If you have questions about the Matrix, or would like to include your rehab or repair program, please contact Laura Grevas at (651) 236-8979 or by email at [email protected]

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TABLE OF CONTENTS

Statewide

Minnesota Housing- Fix Up ........................................................................................................................... 1

Minnesota Housing- Rehab Loan .................................................................................................................. 2

Minnesota Housing-Energy Incentive Loan ................................................................................................... 3

United States Department of Agriculture- Rural Development Repair and Rehab Grant and Loan ................ 4

Veterans Administration- Specially Adapted Housing Grants ......................................................................... 5

Center for Energy and Environment - Home Improvement Financing ........................................................... 6

7-County Metro Area

Greater Minneapolis Council of Churches - Paint-a-thon Program ................................................................. 7

Hearts and Hammers - Exterior Painting Program ......................................................................................... 8

Rebuilding Together - Home Repair Program ................................................................................................ 9

Rebuilding Together - Safe at Home Program .............................................................................................. 10

Twin Cities Habitat for Humanity - A Brush with Kindness Program ............................................................. 11

City of Minneapolis

City of Minneapolis - Home Improvement Loan Program ............................................................................. 12

St. Anthony Village Rehab Incentive Program .............................................................................................. 13

St. Anthony Village Revolving Loan ............................................................................................................. 14

PPL Home Repair Loan Program ................................................................................................................ 15

City of St. Paul

City of St. Paul - Deferred Home Improvement Loan ................................................................................... 16

City of St. Paul - Affordable Home Improvement Loan ................................................................................ 17

City of St. Paul – Rehab Support Program .................................................................................................. 18

NeighborWorks Home Partners - Home Improvement Program ................................................................... 19

East Side - Revolving Loan ......................................................................................................................... 20

NeighborWorks Home Partners – Frogtown Facelift Program ...................................................................... 21

Lexington-Hamline Community Council Home Improvement Loan .............................................................. 22

Anoka County

City of Coon Rapids – Housing Rehab Deferred Loan ................................................................................. 23

Dakota County

City of Northfield - Manufactured Home Repair Reimbursement Program .................................................. 24

Dakota County - Rehab Loan ...................................................................................................................... 25

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Hennepin County

City of Bloomington – Community Enhancement Program ........................................................................... 26

City of Bloomington – Housing Rehab Loan ................................................................................................. 27

City of Crystal - Rehab Incentive Program .................................................................................................... 28

City of Eden Prairie - Housing Rehabilitation Loan ...................................................................................... 29

City of Plymouth - Emergency Repair Program ........................................................................................... 30

City of Plymouth - Emergency Repair Program for Seniors .......................................................................... 31

City of Plymouth - Home Improvement Deferred Loan ................................................................................. 32

City of Robbinsdale - Rehab Incentive Program ........................................................................................... 33 Community Action of Suburban Hennepin County - Emergency Repair Program ........................................ 34

Ramsey County

City of Mounds View - Code Enforcement Home Loan ................................................................................ 35

City of Mounds View – General Home Improvement Loan ........................................................................... 36

City of Mounds View – Emergency Deferred Loan ....................................................................................... 37

City of Roseville - Home Improvement Loan ............................................................................................... 38

City of Shoreview - Home Improvement loan ............................................................................................... 39

Washington County

City of Woodbury - Goes Green Loan .......................................................................................................... 40

City of Woodbury - Home Improvement Loan ............................................................................................... 41

Washington County – Rehabilitation Deferred Loan ..................................................................................... 42

Central/West Central Minnesota

Central Minnesota Housing Partnership - Small Cities Development Program ............................................ 43

Northeast Minnesota

Arrowhead Economic Opportunity Agency - Single Family Rehabilitation Deferred Loan ............................ 44

Beltrami County HRA – In-house Rehabilitation Loan Program ................................................................... 45

Hubbard County HRA – Owner-Occupied Rehab Program .......................................................................... 46

Hubbard County HRA – In-house Rehabilitation Loan Program ................................................................... 47

Small Cities Development Program .............................................................................................................. 48

Southwest Minnesota Faribault Housing Redevelopment Administration - Housing Rehabilitation Loan ........................................ 49

Southwest Minnesota Housing Partnership - Southwest Minnesota Rehabilitation Programs ..................... 50

Southeast Minnesota

Bluff Country Housing Redevelopment Administration - Rehabilitation Loan .............................................. 51

SEMCAC - Small Cities Loan Program ......................................................................................................... 52

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FIX UP

PROGRAM ADMINISTRATOR Minnesota Housing

CONTACT INFORMATION Call Minnesota Housing’s Single Family Division: (651) 296-8215 or 1-800-710-8871. Email [email protected]

WEBSITE http://www.mnhousing.gov

WHAT CAN I USE THE MONEY FOR Windows, insulations, furnace, central air conditioning, electrical, new roof, garage and septic repairs are some of the common items that can be repaired.

HOW DO I APPLY Locate a lender in your area from the following lists: Twin Cities Metropolitan Area: http://www.mnhousing.gov/idc/groups/public/documents/webcontent/mhfa_005159.pdf Greater Minnesota: http://www.mnhousing.gov/idc/groups/public/documents/webcontent/mhfa_005160.pdf

DOES MY HOUSE QUALIFY You must live in and own the home.

ARE MANUFACTURED HOMES ELIGIBLE Yes; manufactured homes permanently affixed to a foundation and taxed as real property.

HOW MUCH MONEY IS AVAILABLE From $2,000 up to $50,000

HOW DO I REPAY THE MONEY Monthly payments during the length of the loan at the current interest rate. Loans can take up to 10 or 20 years to repay depending on the amount. The current interest rates can be found at http://www.mnhousing.gov . Reduced interest rates for energy-efficiency and accessibility improvements. Those living in specific service areas may be eligible for a reduced interest rate; a list is available here.

DOES MY INCOME QUALIFY Annual household income can be up to $96,500. Income limits can be waived for energy-efficiency and accessibility improvements.

DO I NEED TO PAY MONEY UPFRONT Closing cost fees may apply, ask the lender for details.

ADDITIONAL INFORMATION You can hire a contractor or do the work yourself. Unsecured loans available.

LAST UPDATED September 2014

STATEWIDE

http://mnhousing.gov/idc/groups/homes/documents/webcontent/mhfa_007331.pdf



REHAB LOAN




WHAT CAN I USE THE MONEY FOR Rehab roofs, siding, windows, doors, insulation, energy efficiency items, electrical and mechanical. Rehab items are approved on a per project basis.

HOW DO I APPLY Locate a lender in your county from the following list: http://www.mnhousing.gov/idc/groups/homes/documents/webcontent/mhfa_011742.pdf.

DOES MY HOUSE QUALIFY You must own and live in the home. Your assets cannot exceed $25,000.

ARE MANUFACTURED HOMES ELIGIBLE Yes

HOW MUCH MONEY IS AVAILABLE Up to $27,000

HOW DO I REPAY THE MONEY The loan is 0% interest and payments are deferred. The loan is forgiven after 10 years for manufactured homes and 15 years for single family homes. The loan must be repaid if you refinance, sell or no longer live in the home before the 10 or 15 year time frame.

DOES MY INCOME QUALIFY Must be at or below 30% of Area Median Income. Example: for a family of four the household can earn up to $24,900.

DO I NEED TO PAY MONEY UPFRONT Fees may apply, ask the lender for details.

ADDITIONAL INFORMATION None

LAST UPDATED January 2015

S STATEWIDE



ENERGY INCENTIVE LOAN




WHAT CAN I USE THE MONEY FOR Rehab roofs, siding, windows, doors, insulation, energy-efficiency items, electrical and mechanical. Rehab items are approved on a per project basis.

HOW DO I APPLY Locate a lender in your county from the following list: http://www.mnhousing.gov/idc/groups/homes/documents/webcontent/mhfa_011742.pdf.

DOES MY HOUSE QUALIFY You must own and live in the home. Your assets cannot exceed $25,000.



HOW DO I REPAY THE MONEY The loan is 0% interest and payments are deferred. The loan is forgiven after 10 years for manufactured homes and 15 years for single family homes. The loan must be repaid if you refinance, sell or no longer live in the home before the 10 or 15 year time frame.

DOES MY INCOME QUALIFY Must be at or below 50% of Area Median Income. Example: for a family of four the household can earn up to $24,900.

DO I NEED TO PAY MONEY UPFRONT Fees may apply, ask the lender for details.



STATEWIDE



RURAL REPAIR AND REHAB GRANT AND LOAN

PROGRAM ADMINISTRATOR United States Department of Agriculture- Rural Development (USDA-RD)

CONTACT INFORMATION Find your local office by clicking the following link http://www.rurdev.usda.gov/MN-Contacts.html

WEBSITE www.rurdev.usda.gov/HAD-RR_Loans_Grants.html


HOW DO I APPLY Request an application by contacting the local office for your area. Click the following link to find the contract information http://www.rurdev.usda.gov/MN-Contacts.html

DOES MY HOUSE QUALIFY Your home must need repairs and improvements for deferred maintenance, health, safety, sanitation and be located in a rural area as defined by the USDA-RD To see if your home is located in a rural area go to http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do

ARE MANUFACTURED HOMES ELIGIBLE Yes, if you own the home and the site. Certain other conditions apply.

HOW MUCH MONEY IS AVAILABLE Loans are up to $20,000. Grants are up to $7,500 for persons 62 or older only and are unable to repay a Section 504 loan. Loans and grants can be combined for up to $27,500 in assistance.

HOW DO I REPAY THE MONEY The loan is 1% interest, for 20 years, with monthly payments. Grants do not require repayment but may be recaptured if the property is sold in less than 3 years.

DOES MY INCOME QUALIFY Your income must be at or below 50 % of the Area Median Income which is the very low income category. For further information about income limits in your area see the following link www.rurdev.usda.gov/SupportDocuments/MN%20Direct.pdf

DO I NEED TO PAY MONEY UPFRONT Some fees may apply.

ADDITIONAL INFORMATION This information is subject to change due to changes in legislation or funding.

LAST UPDATED June 2014

STATEWIDE



SPECIALLY ADAPTED HOUSING AND SPECIAL HOUSING ADAPTATIONS GRANT

PROGRAM ADMINISTRATOR United States Department of Veterans Affairs

CONTACT INFORMATION St. Paul VA Regional Loan Center (612) 970-5421

WEBSITE http://www.benefits.va.gov/homeloans/adaptedhousing.asp

WHAT CAN I USE THE MONEY FOR

Accessibility items such as bathrooms, carpet, doorways, faucets, garages, kitchens, level views, ramps, sliding doors, and walkways in home where veteran lives or intends to live. May also be used to construct a specially adapted home. http://www.benefits.va.gov/homeloans/docs/part1_va_pamphlet_26_jrd_edits_doc.pdf and http://www.benefits.va.gov/homeloans/docs/part2_va_pamphlet_26_jrd_edits_doc.pdf

HOW DO I APPLY Download an application at www.vba.va.gov/pubs/forms/VBA-26-4555-ARE.pdf and return to St. Paul VA Regional Loan Center Attention: Loan Guaranty Division, 1 Federal Dr., Fort Snelling, St. Paul, MN 55111.

DOES MY HOUSE QUALIFY

In general you must have a permanent or service-related disability, be a veteran or service member, and live in a home that can be modified by the Veterans Departments standards. See the grant fact sheets for further information: www.benefits.va.gov/homeloans/docs/part1_va_pamphlet_26_jrd_edits_doc.pdf and www.benefits.va.gov/homeloans/docs/part2_va_pamphlet_26_jrd_edits_doc.pdf

ARE MANUFACTURED HOMES ELIGIBLE No

HOW MUCH MONEY IS AVAILABLE Grants up to $67,555. The level of disability determines benefit eligibility.

HOW DO I REPAY THE MONEY No repayment is required.

DOES MY INCOME QUALIFY No income limits.

DO I NEED TO PAY MONEY UPFRONT Varies by situation.

ADDITIONAL INFORMATION This information is subject to change due to changes in legislation or funding.

LAST UPDATED October 2013

STATEWIDE



HOME IMPROVEMENT FINANCING

PROGRAM ADMINISTRATOR Center for Energy and Environment

CONTACT INFORMATION For general information call (612) 335-5884 or email [email protected]

WEBSITE www.mnlendingcenter.org

WHAT CAN I USE THE MONEY FOR Depends upon the program. Generally, energy-efficiency projects or other interior and exterior permanent improvements.

HOW DO I APPLY Visit www.mnlendingcenter.org for a link to the online and manual application and additional information.

DOES MY HOUSE QUALIFY There are a variety of loans and grants statewide with different qualifications. Some minimum requirements include living in the home, meeting the maximum loan-to-value limits, being current with your mortgage and living in a neighborhood or city served by the program. Contact CEE for complete details.

ARE MANUFACTURED HOMES ELIGIBLE Only in the City of Blaine.

HOW MUCH MONEY IS AVAILABLE It depends on the program, and ranges up to $50,000.

HOW DO I REPAY THE MONEY Depending on the program, it may be a low-interest loan, a deferred loan that may be forgiven over time, or a grant that does not require repayment.

DOES MY INCOME QUALIFY Depends on the program. Many programs do have income limits.

DO I NEED TO PAY MONEY UPFRONT There are closing costs associated with loans that must be paid in cash at closing. MHFA permits financing certain costs, subject to loan limits.

ADDITIONAL INFORMATION Funding may be limited and is available on a first-come, first-served basis.


STATEWIDE



METRO PAINT-A-THON

PROGRAM ADMINISTRATOR Greater Minneapolis Council of Churches

CONTACT INFORMATION Molly Chandler | [email protected] | (612) 276-1579.

WEBSITE www.paintathon.gmcc.org

WHAT CAN I USE THE MONEY FOR Exterior painting of your home. The work is done by volunteers and materials are donated.

HOW DO I APPLY Call or email Molly Chandler to request an application or download an application from the website. Applications must be received by mid-April each year. You will be notified in June/July if your home has been accepted for painting.

DOES MY HOUSE QUALIFY This program is for low-income single family homeowners in the seven-county metro who are over the age of 60 and/or physically disabled. The home must need exterior painting, but not major repair work. Homes and garages that are 1 or 1.5 stories tall are the best fit for our novice volunteers.


HOW MUCH MONEY IS AVAILABLE None. Volunteer labor.

HOW DO I REPAY THE MONEY Repayment is not required.

DOES MY INCOME QUALIFY Income limits listed on the application. For example a household of one may earn up to $1,900 monthly.

DO I NEED TO PAY MONEY UPFRONT No



7-COUNTY METRO



EXTERIOR PAINTING PROGRAM

PROGRAM ADMINISTRATOR Hearts & Hammers, Twin Cities

CONTACT INFORMATION Call (763) 502-1000 or email [email protected]

WEBSITE www.heartsandhammers.org

WHAT CAN I USE THE MONEY FOR The work is done by volunteers and materials are donated. Common projects include exterior painting, deferred maintenance items, and safety items.

HOW DO I APPLY Call or email to request an application or download an application from website.

DOES MY HOUSE QUALIFY This program is for single family homeowners who are elderly and/or disabled. The home must require significant exterior painting and be located in the cities of Minneapolis or St. Paul. Suburban homes are considered on a case by case basis.


HOW MUCH MONEY IS AVAILABLE None. Volunteer labor.

HOW DO I REPAY THE MONEY Repayment is not required.

DOES MY INCOME QUALIFY Income guidelines listed on the website. For example, a household of four can earn up to $50,100 annually.




7-COUNTY METRO



HOME REPAIR PROGRAM

PROGRAM ADMINISTRATOR Rebuilding Together Twin Cities

CONTACT INFORMATION Tony Sjogren | (651) 776-4273 | [email protected]

WEBSITE http://www.rebuildingtogether-twincities.org

WHAT CAN I USE THE MONEY FOR General home repair and accessibility modification services with priority given to critical repairs to ensure that the home is safe, warm and dry.

HOW DO I APPLY Download an application at http://rebuildingtogether-twincities.org/wp-content/uploads/2012/11/Homeowner-Application.pdf

DOES MY HOUSE QUALIFY You must live in your home, have homeowners insurance, at least one person in the home must be an older adult (55+), an individual living with a disability, a child under the age of 18, or an active or retired member of the armed services, and you must live in the 7-County Metro Area.


HOW MUCH MONEY IS AVAILABLE None. Volunteer labor and materials are donated to provide repairs/improvements at no cost to qualified homeowners

HOW DO I REPAY THE MONEY Repayment is not required unless you move out of the home within 5 years.

DOES MY INCOME QUALIFY Your income must be at or below 50% of the Area Median Income. For example, a household of four can earn up to $41,350 annually.


ADDITIONAL INFORMATION To the extent that they are able, applicants and their families are asked to work side-by-side with volunteers


7-COUNTY METRO



SAFE AT HOME PROGRAM

PROGRAM ADMINISTRATOR Rebuilding Together Twin Cities

CONTACT INFORMATION Tony Sjogren | (651) 776-4273 | [email protected]

WEBSITE http://www.rebuildingtogether-twincities.org/

WHAT CAN I USE THE MONEY FOR

Money is not available. Home repair and accessibility modifications are made at no cost to the homeowner. The work is done by volunteers and materials are donated. Common projects include installing grab bars, shower seats, handheld shower units, raised toilet seat adapters, handrails (interior and exterior), and smoke and carbon monoxide detectors.

HOW DO I APPLY Download an application at http://rebuildingtogether-twincities.org/wp-content/uploads/2012/11/SAHHomeownerApplicationJanuary2013.pdf

DOES MY HOUSE QUALIFY You must live in your home, have homeowners insurance, at least one person in the home must be an older adult (55+) or an individual living with a disability. You must live in the 7-County Metro Area.


HOW MUCH MONEY IS AVAILABLE None. Volunteer labor and donated materials to provide repairs/improvements at no cost to qualified homeowners.

HOW DO I REPAY THE MONEY Repayment is not required unless you move out of the home within 2 years.

DOES MY INCOME QUALIFY Your income must be at or below 50% of the Area Median Income. For example a household of four can earn up to $41,350 annually.


ADDITIONAL INFORMATION To the extent that they are able, applicants and their families are asked to work side-by-side with volunteers on their home.


7-COUNTY METRO



A BRUSH WITH KINDNESS

PROGRAM ADMINISTRATOR Twin Cities Habitat for Humanity

CONTACT INFORMATION General information line (612) 788-8169 [email protected]

WEBSITE www.tchabitat.org or www.abwktwincities.org

WHAT CAN I USE THE MONEY FOR The work is done by volunteers and materials are donated. Common projects include exterior painting, deferred maintenance items, and safety items.

HOW DO I APPLY Call or email to request an application or download from website.

DOES MY HOUSE QUALIFY You must live in your home, and it must be located in the 7-County Metro Area. You must plan to stay in your home for at least three years.


HOW MUCH MONEY IS AVAILABLE None. Volunteer Labor.

HOW DO I REPAY THE MONEY Repayment is not required unless an extensive amount of work is done and you sell or refinance your home within 7 years. Then you are asked to make a financial contribution for future homeowners to have access to the service.

DOES MY INCOME QUALIFY Your income must be at or below 60% of the Area Median Income. For example a household of four can earn up to $49,740.


ADDITIONAL INFORMATION The scope of work must be within A Brush with Kindness and its volunteers skill set and available resources. Able- bodied residents are required to work alongside volunteers and homeowners are to be home at all times when the volunteers are working.


7-COUNTY METRO



CITY OF MINNEAPOLIS HOME IMPROVEMENT LOAN

PROGRAM ADMINISTRATOR Greater Metropolitan Housing Corporation

CONTACT INFORMATION For South Minneapolis contact (612) 722-7141. For North Minneapolis contact (612) 588-3033.

WEBSITE http://www.gmhchousing.org/

WHAT CAN I USE THE MONEY FOR Code violations, installation of weatherization and/or other cost-effective energy conservation improvements, health and safety items or to make the home more accessible for residents of disabilities.

HOW DO I APPLY Call the general information line.

DOES MY HOUSE QUALIFY You must live in your home in the City of Minneapolis.


HOW MUCH MONEY IS AVAILABLE Homeowners with gross annual income up to 50% of the Area Median Income are eligible for up to $20,000; Homeowners with gross annual income between 51% and 80% are eligible for up to $25,000

HOW DO I REPAY THE MONEY Homeowners above 50% of the Area Median Income will have a monthly payment with 1% interest.

DOES MY INCOME QUALIFY Your income must be at or below 80% of the Area Median Income For example a household of four can earn up to $65,840 annually.

DO I NEED TO PAY MONEY UPFRONT There is a $15 fee for a credit report at time of application and mortgage recording fees paid at closing.

ADDITIONAL INFORMATION There is currently a wait list for this program.


MINNEAPOLIS




CONTACT INFORMATION Call the general information call 612 588-3033 or go to website http://www.gmhchousing.org/


WHAT CAN I USE THE MONEY FOR Interior and exterior repairs and improvements are eligible.


DOES MY HOUSE QUALIFY Owner-occupied, single-family and duplex properties located in the City of St. Anthony Village.


HOW MUCH MONEY IS AVAILABLE This is an incentive grant program that provides homeowners with a rebate of 10%, 12% or 15%, depending on income, of the total cost of a home improvement project, not to exceed $3,000 per household.

HOW DO I REPAY THE MONEY No repayment is required.

DOES MY INCOME QUALIFY Households earning up to $41,150 can receive up to a 15% rebate; households with incomes between $41,950 and $67,119 can receive up to a 12% rebate, and households earning between $65,841 and $94,645 can receive up to a 10% rebate. Incomes over $96,486 are not eligible for the program.


ADDITIONAL INFORMATION There is a waiting list for this program.


ST. ANTHONY VILLAGE REHAB INCENTIVE PROGRAM

MINNEAPOLIS



ST. ANTHONY VILLAGE REVOLVING LOAN




WHAT CAN I USE THE MONEY FOR Interior and exterior repairs and improvements such as decks, retaining walls, skylights, garages, landscaping, fencing); correcting state or local code deficiencies, health and safety items; improve handicap accessibility; reduce long term maintenance and energy costs


DOES MY HOUSE QUALIFY You must live in your home in and it must be located in the City of St. Anthony Village. Condos and townhouses eligible for interior improvements only.


HOW MUCH MONEY IS AVAILABLE Up to $10,000.

HOW DO I REPAY THE MONEY The loan is 3% interest, for up to 7 years with monthly payments.

DOES MY INCOME QUALIFY No income limits apply.

DO I NEED TO PAY MONEY UPFRONT $15.00 credit report fee payable at time of application. Mortgage recording fees are paid at closing.



MINNEAPOLIS



HOME REPAIR LOAN PROGRAM

PROGRAM ADMINISTRATOR Project for Pride in Living (PPL)

CONTACT INFORMATION Bo Scarim | (612) 455-5221 | [email protected]

WEBSITE www.ppl-inc.org/homerepair

WHAT CAN I USE THE MONEY FOR Loans will abate any lead and radon hazards before addressing health and safety concerns of the applicant. If funds allow, the loan will be used to bring the home up to the State of Minnesota Rehab Standards.

HOW DO I APPLY

The applicant must complete an application packet which includes the Minnesota Housing Borrower Application, proof of income, proof of home ownership, proof of application to Community Action Weatherization Program Application, and proof of assets.

DOES MY HOUSE QUALIFY Must be a homeowner and occupant of a single family home or duplex in Minneapolis or St. Paul


HOW MUCH MONEY IS AVAILABLE Up to $27,000 per household.

HOW DO I REPAY THE MONEY The loans are 0% interest; no monthly payments are required on the loans, and if the homeowner lives in their home another 15 years, the loan is forgiven

DOES MY INCOME QUALIFY Must make 30% or less of the household area median income: $17,300 for a single person, $24,700 for a family of four.


ADDITIONAL INFORMATION Not currently accepting new applications; check back in August 2014.


MINNEAPOLIS



HOME IMPROVEMENT DEFERRED PAYMENT LOAN

PROGRAM ADMINISTRATOR St Paul Home Loan Fund, City of St. Paul

CONTACT INFORMATION Zong Vang | (651) 266-6564 | [email protected]

WEBSITE www.stpaul.gov/cityliving

WHAT CAN I USE THE MONEY FOR Replacement or repair of roofs, siding, windows, doors, insulation, energy efficiency items, safety hazards, and electrical and mechanical. Rehab items are approved on a per project basis.

HOW DO I APPLY Call or email Zong Vang for an application.

DOES MY HOUSE QUALIFY You must own and live in your home and it must be in the City of St. Paul. You also must have lived in your home for a minimum of 6 months prior to applying.


HOW MUCH MONEY IS AVAILABLE Up to $25,000.00

HOW DO I REPAY THE MONEY The loan is 0% interest, deferred for 30 years with no monthly payments required. The loan must be repaid if you sell, transfer title, or no longer live in the home before 30 years. The loan is forgiven if you continue to own and occupy the home for 30 years.

DOES MY INCOME QUALIFY Your gross household income must be at or below 50% of the Area Median Income, adjusted for household size. For example, a household of four can earn up to $41,450 annually. Asset limits are $25,000.

DO I NEED TO PAY MONEY UPFRONT Yes. There is a non-refundable processing fee of $43 for credit report and title verification.



ST. PAUL



AFFORDABLE HOME IMPROVEMENT LOANS



WEBSITE www.stpaul.gov/cityliving

WHAT CAN I USE THE MONEY FOR Repairs and renovations such as energy and accessibility repairs, room addition, new garage, furnace/air conditioning installation, roof replacement, painting, siding, upgrade or replace electrical wiring or plumbing and plumbing.

HOW DO I APPLY Call or email Zong Vang for an application or for more information.

DOES MY HOUSE QUALIFY You must live in your home and it must be located in the City of St. Paul.


HOW MUCH MONEY IS AVAILABLE Up to $50,000; Unsecured loans and Energy/Accessibility Incentive loans have a loan limit of $15,000.

HOW DO I REPAY THE MONEY Requires monthly payments, with interest rates of 2%, 3%, 4%, 5.99%, & 6.99%, and loan terms can go up to 20 years, depending on the loan amount. The loan balance must be paid if you sell or no longer live in the home.

DOES MY INCOME QUALIFY Your gross household income must be at or below $96,500. 80% of the Area Median Income, adjusted for household size. Lower income limits apply to 2% & 3% interest loans.


ADDITIONAL INFORMATION Competitive interest rates are available for higher income households earning up to $96, 500 annually.


ST. PAUL



ST. PAUL REHAB SUPPORT PROGRAM



WEBSITE http://www.stpaul.gov/index.aspx?NID=4588

WHAT CAN I USE THE MONEY FOR Repairs and renovations such as a room addition, new garage, furnace/air conditioning installation, roof replacement, painting, siding, upgrade or replace electrical wiring or plumbing and plumbing. Homeowners are responsible for obtaining contractor estimates on their home repair needs. (Maximum of 2 estimates allowed with program)

HOW DO I APPLY Call or email Zong Vang for an application or for more information.

DOES MY HOUSE QUALIFY You must own and occupy your home and be located in the specified Targeted Areas with no exceptions.


HOW MUCH MONEY IS AVAILABLE Up to $20,000 per household. Please call for funding availability.

HOW DO I REPAY THE MONEY No monthly payments are required. Mortgage is secured to property (0% interest) for a period of 30 years. The mortgage is due upon sale, transfer, if the Homeowner ceases to live in the property, or on the 30th year anniversary of the loan.

DOES MY INCOME QUALIFY Your gross household income must be at or below $95,300



ST. PAUL



HOME IMPROVEMENT PROGRAM

PROGRAM ADMINISTRATOR NeighborWorks Home Partners (Community Neighborhood Housing Services)

CONTACT INFORMATION

Main: (651) 292-8710. Donna Corbo, Lending Program Manager (651) 348-5079 or [email protected]; Sondra Breneman, Lending Specialist, at (651) 348-5080 or [email protected]; or Hmong-speaking staff member Pao Yang (651) 348-5081 or [email protected]

WEBSITE www.Communitynhs.org

WHAT CAN I USE THE MONEY FOR Health- and safety-related home repairs to owner-occupied homes in the Twin Cities. Common uses include repairs related to roofs, siding, windows, doors, insulation, energy-efficiency items, electrical and mechanical. Rehab items are approved on a per-project basis.

HOW DO I APPLY Contact NeighborWorks Home Partners to inquire about availability of funds.

DOES MY HOUSE QUALIFY Home improvement loans are available for 1-4 unit properties located in the Twin Cities that are owner occupied and insured.

ARE MANUFACTURED HOME ELIGIBLE Only modular homes permanently fixed to a foundation.

HOW MUCH MONEY IS AVAILABLE Loan amounts can vary from $1,000 to $75,000.

HOW DO I REPAY THE MONEY

NeighborWorks Home Partners offers a variety of loan products including amortizing, deferred and forgivable loans depending on fund availability and applicant qualifications.

DOES MY INCOME QUALIFY Your income must be at or below 120% of the Area Median Income.

DO I NEED TO PAY MONEY UPFRONT Some of our financial products require closing costs and some do not.

ADDITIONAL INFORMATION

Funds are available on a first come, first served basis, no waiting list is maintained. Please call to inquire about fund availability or for additional information.


ST. PAUL



EAST SIDE REVOLVING LOAN

PROGRAM ADMINISTRATOR Dayton’s Bluff Neighborhood Housing Services

CONTACT INFORMATION Samantha Larson | (651) 774-6995

WEBSITE www.dbnhs.org

WHAT CAN I USE THE MONEY FOR Rehab roofs, siding, windows, doors, insulation, energy efficiency items, electrical and mechanical. Code issues must be addressed.

HOW DO I APPLY Call Samantha Larson to request application or download application from website.

DOES MY HOUSE QUALIFY You must own and live in a 1-4 unit property, on the Eastside of the City of St. Paul; defined as the Payne/Phalen, Dayton’s Bluff and the Greater Eastside neighborhoods.


HOW MUCH MONEY IS AVAILABLE Up to $50,000 per household

HOW DO I REPAY THE MONEY The loan is between 1-3% interest based on income and family size, and can be repaid in monthly installments of 15, 20 or 30 years. The loan must be repaid if you refinance, sell or no longer live in the home.

DOES MY INCOME QUALIFY Your income must be at or below 80% of the Area Median Income. For example a household of four can earn up to $63,900 annually. To check your income eligibility for programs, go to our website: www.dbnhs.org


ADDITIONAL INFORMATION If lead based paint is found on the property, abatement will be required as part of the home repairs. In addition, if health and safety concerns or city code violations are evident, those items must be addressed.


ST. PAUL



FROGTOWN FACELIFT

PROGRAM ADMINISTRATOR NeighborWorks Home Partners (formerly Frogtown CDC)

CONTACT INFORMATION Patty Lammers | (651) 292-8710

WEBSITE www.Communitynhs.org

WHAT CAN I USE THE MONEY FOR Rehab roofs, siding, windows, doors, insulation, energy efficiency items, electrical, mechanical plumbing, etc. Rehab items are approved on a per project basis.

HOW DO I APPLY Call or email Patty for pre-screening and application packet.

DOES MY HOUSE QUALIFY

You must live in and own your home. The house must be located within the Greater Frogtown service area in the City of St. Paul; which is defined as Lexington Avenue, east to Jackson Street, University Avenue, north to Pierce Butler. In addition Frogtown CDC has added University south to Selby Avenue, between Lexington and Western to their service area.



HOW DO I REPAY THE MONEY This loan is a mix of repayment requirements.1/3 is forgiven after 5 years, 1/3 is due on sale of the property, and 1/3 is repaid along with low interest. Monthly payments are required, and the average payment is $92 a month for 12 years.

DOES MY INCOME QUALIFY Your income must be at or below 80% of the Area Median Income as determined by HUD. For example a household of four can earn up to $67,200 annually.


ADDITIONAL INFORMATION NeighborWorks Home Partners is also an administrator for select Minnesota Housing loans.


ST. PAUL



LEXINGTON-HAMLINE COMMUNITY COUNCIL HOME IMPROVEMENT LOAN PROGRAM


CONTACT INFORMATION Call the general information call (651) 486-7401 or go to website http://www.gmhchousing.org/


WHAT CAN I USE THE MONEY FOR General interior and exterior home improvements.

HOW DO I APPLY You must live in your home and it must be located in the Lexington-Hamline neighborhood.

DOES MY HOUSE QUALIFY Rehab roofs, siding, windows, doors, insulation, energy efficiency items, electrical and mechanical. Rehab items are approved on a per project basis.

ARE MANUFACTURED HOMES ELIGIBLE Not applicable


HOW DO I REPAY THE MONEY Monthly payments at 4% interest, up to a 10-year term.

DOES MY INCOME QUALIFY No income limit.

DO I NEED TO PAY MONEY UPFRONT There is a $15 fee for a credit report at time of application; mortgage registration and recording fee paid at closing. Title work fee ($100) and $400 origination fee may be included in the loan amount.



ST. PAUL



CITY OF COON RAPIDS HOUSING REHAB DEFERRED LOAN




WHAT CAN I USE THE MONEY FOR Call the general information line.

HOW DO I APPLY You must live in your home in the City of Coon Rapids.

DOES MY HOUSE QUALIFY Rehab roofs, siding, windows, doors, insulation, energy efficiency items, electrical and mechanical. Rehab items are approved on a per project basis.



HOW DO I REPAY THE MONEY The loan is a 0% interest and payment is deferred until you sell, transfer title or in some cases refinance the home.

DOES MY INCOME QUALIFY Your income must be at or below 80% of the Area Median Income. For example a household of 4 could earn up to $63,900 annually.


ADDITIONAL INFORMATION The home must be at least 15 years old and meet the estimated market value limit of $221,346 or less. The household may have assets up to $25,000, excluding the value of the property that is being rehabbed.


ANOKA COUNTY



MANUFACTURED HOME REPAIR PROGRAM

PROGRAM ADMINISTRATOR City of Northfield

CONTACT INFORMATION Michele Merxbauer | (507) 645-3047 | [email protected]

WEBSITE www.ci.northfield.mn.us/housing/housingprograms

WHAT CAN I USE THE MONEY FOR Rehab or repairs to increase the safety, security and efficiency of the unit. For example, doors, windows, water heaters, furnaces, skirting and insulation. Cannot be used for decks or additions, or cosmetic changes.

HOW DO I APPLY Call or email Michele Merxbauer for application.

DOES MY HOUSE QUALIFY You must own and live in a manufactured home located in Viking Terrace or Florella’s Manufactured Home Park.


HOW MUCH MONEY IS AVAILABLE Up to $4,000 for reimbursement.

HOW DO I REPAY THE MONEY This is a reimbursement program. Repayment is not required.



ADDITIONAL INFORMATION This is a reimbursement program. After approval, the homeowner pays for the repair then submits invoices for repayment.


DAKOTA COUNTY



DAKOTA COUNTY REHABILITATION LOAN

PROGRAM ADMINISTRATOR Dakota County CDA

CONTACT INFORMATION Mark Hanson | (651) 675-4469 | [email protected]

WEBSITE www.dakotacda.org


HOW DO I APPLY Call or email Mark Hanson to request application or download at www.dakotacda.org/pdf/Application_Rehab.pdf

DOES MY HOUSE QUALIFY You must live in your home and it must be located in Dakota County.


HOW MUCH MONEY IS AVAILABLE Up to a maximum of $25,000 for single family homes. The loan minimum is $15,000.

HOW DO I REPAY THE MONEY The loan is a 0%, deferred for 30 years. The loan must be repaid after 30 years or if you sell, refinance, or no longer live in the home.

DOES MY INCOME QUALIFY Your income must be at or below 80% of the Area Median Income For example a household of four can earn up to $63,900 annually.

DO I NEED TO PAY MONEY UPFRONT There are filing fees at closing of $92 for single family homes.

ADDITIONAL INFORMATION You must be income eligible, have acceptable equity, and acceptable credit.


DAKOTA COUNTY



COMMUNITY ENHANCEMENT PROGRAM (CEP II)

PROGRAM ADMINISTRATOR City of Bloomington HRA

CONTACT INFORMATION Brian Duerwachter | (952) 563-8939 | [email protected]

WEBSITE http://www.BloomingtonMN.gov/cityhall/commiss/hra/cep2/2cep2.htm

WHAT CAN I USE THE MONEY FOR Replace roofs, windows, doors, soffit/fascia, siding and gutters, insulation, exterior painting, repair or replace electrical systems, heating systems and plumbing, also make repairs to foundation and sidewalks and entry steps.

HOW DO I APPLY Call or email Brian Duerwachter or download an application from the website.

DOES MY HOUSE QUALIFY You must be the owner occupant of the home, have sufficient equity to cover the loan amount, and live in a targeted area of the City of Bloomington (See Map Link) http://www.BloomingtonMN.gov/cityhall/commiss/hra/cep2/cep2.htm




There are no monthly payments. The loan can be paid at any time in one lump sum. 4% simple interest accrues each year for the first 10 years. After the 10th year no additional interest is applied to the payoff balance. The loan comes due upon sale, transfer, conveyance, when the house is no longer owner occupied or 40 years from the date of loan commitment, whichever comes first.





HENNEPIN COUNTY



CDBG HOUSING REHABILITATION LOAN PROGRAM

PROGRAM ADMINISTRATOR City of Bloomington HRA

CONTACT INFORMATION Steven Schmidt | 952-563-8941 | [email protected]

WEBSITE http://www.BloomingtonMN.gov/cityhall/commiss/hra/cdbg/cdbg.htm

WHAT CAN I USE THE MONEY FOR Replace roofs, windows, doors, soffit/fascia, siding and gutters, insulation, exterior painting, repair or replace electrical systems, heating systems and plumbing, also make repairs to foundation and sidewalks and entry steps.

HOW DO I APPLY Call or email Steven Schmidt or download an application from the website.

DOES MY HOUSE QUALIFY You must be the owner occupant of the House. The house must be at least 10 years old and you must have enough equity in the house to cover the amount of the loan.




There are no monthly payments. The loan can be paid at any time in one lump sum. 4% simple interest accrues each year for the first 10 years. After the 10th year no additional interest is applied to the payoff balance. The loan comes due upon sale, transfer, conveyance, when the house is no longer owner occupied or 40 years from the date of loan commitment, whichever comes first.

DOES MY INCOME QUALIFY Your gross household income, before any deductions, must be at or below 80% of the Area Median Income. For example, a household of four can earn up to $63,900 annually. See website for details.




HENNEPIN COUNTY



CITY OF CRYSTAL REHAB INCENTIVE PROGRAM




WHAT CAN I USE THE MONEY FOR Interior and exterior repairs and improvements are eligible. Some examples are roofs, siding, windows, doors, insulation, energy efficiency items, electrical and mechanical repairs.


DOES MY HOUSE QUALIFY You must live in your home and it must be located in the City of Crystal. Condos and townhouses eligible for interior improvements only.


HOW MUCH MONEY IS AVAILABLE This is an incentive grant program that provides homeowners with a rebate of 15%, 20% or 25%, depending on household income, of the total cost of a home improvement project, not to exceed $10,000 per household. Minimum cost of project must be $2,000.

HOW DO I REPAY THE MONEY No repayment required.

DOES MY INCOME QUALIFY Households earning up to $41,150 can receive up to a 20% rebate; households with incomes between $41,151 and $66,320 can receive up to a 15% rebate, and households earning between $66,321 and $99,480 can receive up to a 10% rebate. Households with Incomes over $100,680 are not eligible for the program.

DO I NEED TO PAY MONEY UPFRONT There are no fees associated with this program.

ADDITIONAL INFORMATION Homeowners must apply & sign a participation agreement for the rebate before any work begins or materials are purchased.


HENNEPIN COUNTY



CITY OF EDEN PRAIRIE HOUSING REHABILITATION LOAN

PROGRAM ADMINISTRATOR City of Eden Prairie

CONTACT INFORMATION Jeanne Karschnia | (952) 949-8486 | [email protected]

WEBSITE http://www.edenprairie.org/index.aspx?page=109


HOW DO I APPLY Call or email Jeanne Karschnia to request an application or download an application from the website.

DOES MY HOUSE QUALIFY You must live in your home and it must be located in the City of Eden Prairie.



HOW DO I REPAY THE MONEY The loan is an interest free, deferred loan. The loan is due in 30 years or when you sell the home, whichever occurs first.





HENNEPIN COUNTY HENNEPIN COUNTY



CITY OF PLYMOUTH EMERGENCY REPAIR LOAN

PROGRAM ADMINISTRATOR Plymouth HRA

CONTACT INFORMATION Please call (763) 509-5410 or email [email protected]

WEBSITE www.plymouthmn.gov

WHAT CAN I USE THE MONEY FOR Emergency repairs, such as of broken mechanical equipment (i.e. furnaces, water heaters), failing plumbing, or leaking roofs. Other repairs may be eligible if they are necessary to correct immediate health or safety risks.

HOW DO I APPLY Call or email for application.

DOES MY HOUSE QUALIFY You must live in your home and it must be located in the City of Plymouth.



HOW DO I REPAY THE MONEY The loan will be repaid over 3 years at 3% interest or 5 years at 4% interest.

DOES MY INCOME QUALIFY Your annual household income must be at or below $82,000




HENNEPIN COUNTY



CITY OF PLYMOUTH EMERGENCY REPAIR GRANT FOR SENIORS




WHAT CAN I USE THE MONEY FOR Emergency repairs of broken mechanical equipment (i.e. furnaces, water heaters), failing plumbing, or leaking roofs, etc. Minor accessibility improvements also allowed, i.e. grab bars.

HOW DO I APPLY Call or email Spencer Agnew for an application.

DOES MY HOUSE QUALIFY You must live in your home and it must be located in the City of Plymouth. You must be a senior (55+) and in need of emergency or accessibility repairs.



HOW DO I REPAY THE MONEY This is a grant. Repayment is not required.

DOES MY INCOME QUALIFY Your income must be at or below 80% of the Area Median Income. For example a household of two can earn up to $52,000 annually.




HENNEPIN COUNTY



CITY OF PLYMOUTH HOME IMPROVEMENT DEFERRED LOAN




WHAT CAN I USE THE MONEY FOR Preference is given to safety, code and deferred maintenance items.

HOW DO I APPLY Call or email for an application.

DOES MY HOUSE QUALIFY You must live in your home and it must be located in the City of Plymouth.



HOW DO I REPAY THE MONEY The loan is 0% interest, deferred for 20 years. The loan must be repaid in 20 years or if you sell, refinance, or no longer live in your home during the 20-year term.





HENNEPIN COUNTY



CITY OF ROBBINSDALE REHAB INCENTIVE PROGRAM




WHAT CAN I USE THE MONEY FOR Some examples include rehabbing roofs, siding, windows, doors, insulation, energy efficiency items, electrical and mechanical repairs, decks, porches, retaining walls, skylights, garages, landscaping and fence.


DOES MY HOUSE QUALIFY Live in your home in the City of Robbinsdale. Condos and townhouses eligible for interior improvements only.


HOW MUCH MONEY IS AVAILABLE This is an incentive grant program that provides homeowners with a rebate of 10%, 12% or 15%, depending on household income, of the total cost of a home improvement project, not to exceed $3,000 per household. Minimum project cost must be $2,000 to be eligible for a rebate.

HOW DO I REPAY THE MONEY No repayment.

DOES MY INCOME QUALIFY Households earning up to $41,150 can receive up to a 15% rebate; households with incomes between $41,151 and $66,320 can receive up to a 12% rebate. Households earning between $66,321 and $91,190 can receive up to a 10% rebate. Incomes over $92,290 are not eligible for the program.


ADDITIONAL INFORMATION The repair or replacement of existing central air is not eligible.


HENNEPIN COUNTY



EMERGENCY REPAIR PROGRAM

PROGRAM ADMINISTRATOR Community Action Partnership of Suburban Hennepin

CONTACT INFORMATION Bill O’Meara | (952) 697-1310 | [email protected]

WEBSITE www.capsh.org

WHAT CAN I USE THE MONEY FOR Repairs for health, safety, and code citations.

HOW DO I APPLY Call or email Bill O’Meara for prescreening.

DOES MY HOUSE QUALIFY It must be a single family home located in St. Louis Park. You must live in the home and be current with mortgage payments.



HOW DO I REPAY THE MONEY Loan may be deferred, some rehab funds are grants, depending on City you live in.

DOES MY INCOME QUALIFY Yes, applicant must have low income and does not qualify for conventional loan.


ADDITIONAL INFORMATION You are encouraged to call even if your house isn’t in the Suburban Hennepin County areas listed to see if there are additional Emergency Repair Programs in Suburban Hennepin County.


HENNEPIN COUNTY



CITY OF MOUNDS VIEW CODE ENFORCEMENT HOME LOAN




WHAT CAN I USE THE MONEY FOR Repairs ordered by Mounds View Code Enforcement Officer

HOW DO I APPLY Contact the Greater Metropolitan Housing Corporation.

DOES MY HOUSE QUALIFY You must live in your home in the city of Mounds view. Single-family homes or duplexes only.



HOW DO I REPAY THE MONEY The loan is a 4% interest, up to 10 year loan with monthly payments.

DOES MY INCOME QUALIFY Your income must be at or below 80% of the Area Median Income by family size. For example, a family of four can earn up to $63,900.

DO I NEED TO PAY MONEY UPFRONT There is a $15 fee for a credit report at time of application and recording fees paid at closing.



RAMSEY COUNTY



CITY OF MOUNDS VIEW GENERAL HOME IMPROVEMENT LOAN




WHAT CAN I USE THE MONEY FOR General interior and exterior home improvements.


DOES MY HOUSE QUALIFY You must live in your home in the city of Mounds view. Single-family homes or duplexes only.



HOW DO I REPAY THE MONEY The loan is a 3% interest with monthly payments, up to a 10-year loan term.


DO I NEED TO PAY MONEY UPFRONT There is a $25 fee for a credit report at time of application and recording fee paid at closing.



RAMSEY COUNTY



CITY OF MOUNDS VIEW EMERGENCY DEFERRED LOAN




WHAT CAN I USE THE MONEY FOR Repairs to correct immediate risks to health and/or safety.


DOES MY HOUSE QUALIFY Single-family homes or duplexes only.



HOW DO I REPAY THE MONEY The loan is zero-percent interest, deferred with no monthly payment. Loan is due on sale, transfer of title or if property is no longer the borrower’s principal residence.


DO I NEED TO PAY MONEY UPFRONT There is a recording fee to be paid at closing.



RAMSEY COUNTY



CITY OF ROSEVILLE HOME IMPROVEMENT LOAN





HOW DO I APPLY You must live in your home in the City of Roseville. Condos and townhouses eligible for interior improvements only. The home must be 25 years old or older.

DOES MY HOUSE QUALIFY Rehab roofs, siding, windows, doors, insulation, energy efficiency items, electrical and mechanical repairs.


HOW MUCH MONEY IS AVAILABLE Up to $20,000 without Green Design improvements and up to $25,000 if Green Design improvements are included.

HOW DO I REPAY THE MONEY The loan is a 4% interest, up to 10 year loan with monthly payments.

DOES MY INCOME QUALIFY Your income must be at or below 120% of the Area Median Income. For example a household of 4 could earn up to $99,480. You may deduct $2,500 from your annual gross income for each child (16 years and under) in the home.




RAMSEY COUNTY



CITY OF SHOREVIEW HOME IMPROVEMENT LOAN




WHAT CAN I USE THE MONEY FOR Home repairs and energy upgrades to the home that include energy efficient heating and cooling systems, additional or replacement insulation, energy efficient replacement windows and doors and energy efficient water heaters.


DOES MY HOUSE QUALIFY You must live in your single-family detached property and it must be located in the City of Shoreview. No properties with associations that manage property maintenance are allowed.


HOW MUCH MONEY IS AVAILABLE $2,000 to $20,000

HOW DO I REPAY THE MONEY This is an interest bearing loan with monthly payments. The interest rate is updated quarterly on the first business day of each quarter of the calendar year and is set at two points above the Prime Rate. At time of loan application, the borrower’s interest rate is fixed for the entire term of the loan. Maximum loan term is 10 years.

DOES MY INCOME QUALIFY Your income must be at or below 120% of the Shoreview Area Median Income. For example a household of four can earn up to $119,776.

DO I NEED TO PAY MONEY UPFRONT $15 fee for a credit report at time of application and mortgage recording fees paid at closing.

ADDITIONAL INFORMATION An energy audit must be completed and submitted as part of the application. If you remain in your home for 10 years from the date of the loan closing you are eligible to receive a rebate of the interest that was paid on the loan.


RAMSEY COUNTY



CITY OF WOODBURY GOES GREEN LOAN




WHAT CAN I USE THE MONEY FOR Replacement and new construction using green building techniques, such as energy efficiency, resource efficiency (including durability), indoor environmental quality and water conservation improvements.


DOES MY HOUSE QUALIFY You must live in your home and it must be located in the City of Woodbury. Condos and townhouses eligible for interior improvements only.


HOW MUCH MONEY IS AVAILABLE $1,000- $5,000

HOW DO I REPAY THE MONEY The loan is a 3% interest, up to 5 year loan with monthly payments. The loan must be repaid sooner if you refinance, sell or no longer live in the home. Active military, veterans or individuals 65 years and older have an interest rate of 2.75%.

DOES MY INCOME QUALIFY Income limits are dependent on household size; 1-4 people, $76,800; 5-6, $81,200; 7-8, $85,600; 9 or more, $90,000.


ADDITIONAL INFORMATION Your home taxable market value for the current year cannot to exceed $275,000.


WASHINGTON COUNTY



CITY OF WOODBURY HOME IMPROVEMENT LOAN




WHAT CAN I USE THE MONEY FOR Rehab roofs, siding, windows, doors, insulation, energy efficiency items, electrical, mechanical repairs or to address code violations.


DOES MY HOUSE QUALIFY You must live in your home and it must be located in the City of Woodbury. Condos and townhouses eligible for interior improvements only.


HOW MUCH MONEY IS AVAILABLE $2,000- $25,000

HOW DO I REPAY THE MONEY The loan is a 3% interest, up to 15 year loan with monthly payments. Active military, veterans or individuals 65 years and older have an interest rate of 2.75%.

DOES MY INCOME QUALIFY Income limits are dependent on household size; 1-4 people, $76,800; 5-6, $81,200; 7-8, $85,600; 9 or more, $90,000.


ADDITIONAL INFORMATION Your home taxable market value for the current year cannot exceed $275,000.


WASHINGTON COUNTY



WASHINGTON COUNTY DEFERRED LOAN PROGRAM





HOW DO I APPLY You must live in your home in Washington County; homes in Denmark Township, Marine On St. Croix, Woodbury or Grey Cloud Island Township are ineligible. Condos and townhouses eligible for interior improvements only.

DOES MY HOUSE QUALIFY Basic home repairs such as roofs, plumbing, siding, etc.), energy efficiency, and accessibility improvements.



HOW DO I REPAY THE MONEY The loan is a 0% interest deferred loan. The loan must be repaid when the house is sold, title is transferred or in some cases if the mortgage is refinanced.

DOES MY INCOME QUALIFY Your income must be at or below 80% of the Area Median Income. For example a household of 4 can earn up to $63,900 annually.


ADDITIONAL INFORMATION Your home must have taxable market values below $239,250. There is a waiting list for this program.


WASHINGTON COUNTY



SMALL CITIES DEVELOPMENT PROGRAM

PROGRAM ADMINISTRATOR Central Minnesota Housing Partnership

CONTACT INFORMATION Seth Kauffman | (320) 258-0673 | [email protected]

WEBSITE www.cmhp.net

WHAT CAN I USE THE MONEY FOR Rehabilitation/replacement of roofing, soffit/fascia, gutters, siding, windows, doors, insulation, energy efficiency items, electrical and mechanical. Rehab items are approved on a per project basis.

HOW DO I APPLY Call or email Seth Kauffman to request an application

DOES MY HOUSE QUALIFY You must live in your home full time and home must be located in designated target areas within the cities of Deerwood, Staples, St. Joseph or Sebeka.


HOW MUCH MONEY IS AVAILABLE Maximum of $20,000 loan per homeowner to cover 85-90% of construction costs.

HOW DO I REPAY THE MONEY Funding is provided as a 0% interest, deferred, forgivable loan. Loan is forgiven 1/7th per year. Repayment is not required unless home changes ownership during the 7 year term; then a pro-rated portion of the loan is due upon sale.

DOES MY INCOME QUALIFY Annual gross household income must be at or below 80% of the Area Median Income. For example, a household of four can earn up to $48,000 annually. Third party verifications are done to determine all income.

DO I NEED TO PAY MONEY UPFRONT

Homeowner is required to cover 10 or 15% of the total construction costs. The percentage is based on annual household income. The SCDP loan will not cover 100% of rehab costs. Actual owner match amounts are determined in on a per project basis. CMHP may be able to provide additional funding sources to cover owners match requirement.

ADDITIONAL INFORMATION Applications will be processed on a first come, first served basis. Additional funding programs may be available to cover owner match funds requirement.


CENTRAL/WEST CENTRAL



SINGLE FAMILY REHABILITATION LOAN

PROGRAM ADMINISTRATOR Arrowhead Economic Opportunity Agency

CONTACT INFORMATION Dorene Dobberstein | (800) 662-5711 Ext. 7311 | [email protected]

WEBSITE http://www.aeoa.org/index.php/housing/single-family-rehabilitation


HOW DO I APPLY Call or email Dorene Dobberstein for an application. The Deferred Loan Program currently has a waiting list.

DOES MY HOUSE QUALIFY You must have lived in your home for more than 6 months and live in St. Louis (excluding Duluth), Lake or Cook county. House payments & property taxes must be current. Home Insurance is required.


HOW MUCH MONEY IS AVAILABLE Available amount is determined on what funding sources are available in your area. Home must be brought up to Housing Quality Standards.

HOW DO I REPAY THE MONEY Deferred and repayable loans are available. Terms vary for each program; contact Dorene for more information.

DOES MY INCOME QUALIFY Your income must be at or below 50% of the Area Median Income. For example, a household of four can earn up to $31,150 annually in St. Louis County (excluding Duluth), $25,200 annually in Lake and Cook Counties. Contact Program Administrator for current income guidelines.

DO I NEED TO PAY MONEY UPFRONT Recording fee up to $100 to be paid at closing.

ADDITIONAL INFORMATION Deferred loans currently have a waiting list of 2-3 years. The rehab project must meet Housing Quality Standards. A lead based paint risk assessment is required and all hazardous lead-based paint items must be addressed.

LAST UPDATED March 2014

NORTHEAST



BELTRAMI COUNTY HRA IN-HOUSE REHABILITATION LOAN PROGRAM

PROGRAM ADMINISTRATOR Beltrami County HRA

CONTACT INFORMATION Jackie Meixner, 218-333-6530, [email protected], PO Box 292, Bemidji, MN 56619

WEBSITE www.hrdc.org

HOW DO I APPLY Call or email Jackie Meixner for a prescreening

DOES MY HOUSE QUALIFY Home must be located in Beltrami County and be owner occupied. Manufactured homes must be permanently affixed to a foundation and taxed as real property. House payments and taxes must be current. Home insurance is required.

WHAT CAN I USE THE MONEY FOR Improvements which improve the basic livability or energy efficiency of the property, i.e. roof, windows, mechanical systems, well, septic, etc.

HOW MUCH MONEY IS AVAILABLE Up to $15,000 per home

HOW DO I REPAY THE MONEY This is a loan with a fixed interest rate and with monthly payments up to 20 years. The payment amount is determined by the DTI ratio but will not be less than $50 per month and will not exceed $200 per month.

DOES MY INCOME QUALIFY Your income must be at or below 80% of the Statewide Median Household Income

DO I NEED TO PAY MONEY UPFRONT There are often closing costs associated with loans, some may be rolled into the loan



NORTHEAST



PROGRAM ADMINISTRATOR Hubbard County HRA




DOES MY HOUSE QUALIFY Home must be located in Hubbard County and be owner occupied. House payments and taxes must be current. Home insurance is required.

WHAT CAN I USE THE MONEY FOR Rehab items are approved on a per-project basis

HOW MUCH MONEY IS AVAILABLE Varies based on program

HOW DO I REPAY THE MONEY These programs are deferred loan programs. The loan is a 0% interest deferred loan, payable in 30 years.

DOES MY INCOME QUALIFY Varies based on program

DO I NEED TO PAY MONEY UPFRONT Varies based on program

ADDITIONAL INFORMATION

The Hubbard County HRA administers a variety of owner-occupied rehab programs. If you reside in Hubbard County and need owner-occupied repairs, we encourage you to contact us to determine your eligibility for any of our programs.


HUBBARD COUNTY HRA OWNER-OCCUPIED REHAB

NORTHEAST



HUBBARD COUNTY HRA IN-HOUSE REHABILITATION LOAN PROGRAM

PROGRAM ADMINISTRATOR Hubbard County HRA




DOES MY HOUSE QUALIFY Home must be located in Hubbard County and be owner occupied. Manufactured homes must be permanently affixed to a foundation and taxed as real property. House payments and taxes must be current. Home insurance is required.

WHAT CAN I USE THE MONEY FOR Improvements which improve the basic livability or energy efficiency of the property, i.e. roof, windows, mechanical systems, well, septic, etc.


HOW DO I REPAY THE MONEY This is a loan with a fixed interest rate and with monthly payments up to 20 years. The payment amount is determined by the DTI ratio.

DOES MY INCOME QUALIFY Your income must be at or below 80% of the Statewide Median Household Income

DO I NEED TO PAY MONEY UPFRONT There are often closing costs associated with loans, some may be rolled into the loan



NORTHEAST



SMALL CITIES DEVELOPMENT PROGRAM

PROGRAM ADMINISTRATOR Headwaters Regional Development Commission




DOES MY HOUSE QUALIFY You must live in your home full time and your home must be located in a designated target area. Funds are available in designated target areas in the City of Bagley and the City of Mahnomen, as well as the entire City of Akeley.

WHAT CAN I USE THE MONEY FOR Rehab items are approved on a per project basis

HOW MUCH MONEY IS AVAILABLE Maximum of $25,000 loan per household

HOW DO I REPAY THE MONEY Funding is provided as a 0% interest, deferred, forgivable loan. After the first 6 years, the loan is forgiven 1/48th per month. Repayment is not required unless home changes ownership during the 10 year term.

DOES MY INCOME QUALIFY Annual gross household income must be at or below 80% of the Area Median Income.

DO I NEED TO PAY MONEY UPFRONT $46 application fee, will be applied toward recording fee

ADDITIONAL INFORMATION Applications will be processed on a first come, first served basis. The HRDC is frequently working on additional SCDP applications to bring this program to other communities in our Region.


NORTHEAST



FARIBAULT HOUSING REHABILITATION LOAN

PROGRAM ADMINISTRATOR Faribault HRA

CONTACT INFORMATION Kim Clausen | (507) 333-0375 | [email protected]

WEBSITE www.ci.faribault.mn.us/departments/communitydev/housing/rehab


HOW DO I APPLY The application and guidelines are available online or by calling the Community Development office at 507-334-0100.

DOES MY HOUSE QUALIFY You must live in your home and it must be located in the City of Faribault.

ARE MANUFACTRUED HOMES ELIGIBLE No


HOW DO I REPAY THE MONEY The loan is 3% interest, for 7 years, with monthly payments.

DOES MY INCOME QUALIFY Your household income must be at or below 100% of the Area Median Income. For example a household of four can earn up to $71,400 annually.




SOUTHWEST



SOUTHWEST MINNESOTA REHABILITATION PROGRAMS

PROGRAM ADMINISTRATOR Southwest Minnesota Housing Partnership

CONTACT INFORMATION Michele Clarke | (507) 836-1617 | [email protected]

WEBSITE www.swmhp.org


HOW DO I APPLY Call or email Michele Clarke for application and process.

DOES MY HOUSE QUALIFY Please call for specific information for your area.

ARE MANUFACTRUED HOMES ELIGIBLE No

HOW MUCH MONEY IS AVAILABLE We currently have low interest loans and/or grants available for income eligible homeowners.

HOW DO I REPAY THE MONEY This varies with each program.

DOES MY INCOME QUALIFY This varies with each program.

DO I NEED TO PAY MONEY UPFRONT This varies with each program.

ADDITIONAL INFORMATION There are many different rehabilitation programs, please call for details.


SOUTHWEST



BLUFF COUNTRY HRA REHAB LOAN PROGRAM

PROGRAM ADMINISTRATOR Bluff Country Minnesota Multi-County Housing and Redevelopment Authority

CONTACT INFORMATION Vonda Budde | (507) 864-8241

WEBSITE www.semcac.org

WHAT CAN I USE THE MONEY FOR Rehab roofs, siding, windows, doors, insulation, energy-efficiency items, electrical and mechanical. Rehab items are approved on a per project basis.

HOW DO I APPLY Contact Vonda Budde for an application

DOES MY HOUSE QUALIFY You must live in your home and it must be located in Fillmore or Houston Counties.



HOW DO I REPAY THE MONEY This is a loan with a fixed interest rate, and with monthly payments up to 7 years.

DOES MY INCOME QUALIFY Your income must be at or below 80% of the Area Median Income.

DO I NEED TO PAY MONEY UPFRONT Origination fee of $300 (can be included in loan), $15 credit report fee, $46 recording fee, Mortgage Tax at $2.30 per $1,000 ($17.25 for a $7,500 loan)

ADDITIONAL INFORMATION Automatic payment withdrawal from either a checking or savings account will be set up


SOUTHEAST



SMALL CITIES LOAN PROGRAM

PROGRAM ADMINISTRATOR Bluff Country Minnesota Multi-County Housing and Redevelopment Authority

CONTACT INFORMATION Cindy Vitse | (507) 864-8207 or Vonda Budde | (507) 864-8241

WEBSITE www.semcac.org

WHAT CAN I USE THE MONEY FOR Homeowner Rehab – Items that will address Health, Safety and Code issues.

HOW DO I APPLY Contact Vonda Budde at (507) 864-8241 for an application

DOES MY HOUSE QUALIFY Funds are now available for Preston residents.


HOW MUCH MONEY IS AVAILABLE Up to $22,000 per loan.

HOW DO I REPAY THE MONEY This is a 0% interest, forgivable loan with no monthly payments. The loan term is seven years, depending on the community you live in.

DOES MY INCOME QUALIFY Your income must be at or below 80% of your Area Median income .To determine the Area Median Income for your community visit http://www.huduser.org/portal/datasets/il/il13/mn.pdf


ADDITIONAL INFORMATION No


SOUTHEAST

Rehab and Repair Matrix 01 2015 - Minnesota Homeownership ... · B | Page Minnesota Homeownership...

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